Business Cash Back Platinum Visa® Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is $79. The ongoing APR is 16.75% variable for Business Platinum Cash Back Rewards (Wall Street Journal Prime Rate + 10.00%; terms information as of December 11, 2025). Rewards: Cash Back: 1% on all qualifying purchases with no cap.. Cash back: 1% on all qualifying purchases with no cap. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $2.00; average daily balance (including new purchases). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.